However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.

What does Renter's Insurance Pay in Los Angeles County?

If you are forced out of your home because of a disaster your additional living expenses will be covered.

Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. Our Los Angeles & Inglewood Renter's insurance agent covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.

Our Los Angeles & Inglewood Renters insurance agent also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

How Much Rental Insurance Do You Need in Los Angeles?

Add up the cost of everything you would want to replace if property was damaged or stolen. This could also serve as the basis for an inventory that will make filing a renters insurance claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.

If you rent an apartment or house in Los Angeles, you need rental insurance to protect your belongings. While your landlord might have property insurance, it only protects the building. Your belongings are not covered under those insurance policies.

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